i mean, i think if you -- this week there was an aural in "the new york times" around fraud. fraud and some of the activities going on in that area. so fraud is a component of that. but for us as an organization, the largest waste is the lack of integrated care. and we what that means is duplication of services and where people are in the wrong aspect of that. you're shaking your head so must mott be answering your question. [inaudible] >> thank you for a talk which demonstrates one of the things that i find very encouraging about this affordable care act that we're now beginning to embrace, and it is exactly the tremendous focus on how it plays out in the market place, and humana is setting itself up as a model player in a complex game that involves lots of bargaining, lots of incentives, rewarding behavior you want. but i am struck, looking back on the last election and the discussion of obamacare, that it seemed to get a bad rap as a quote-unquote government takeover, and it really was conceived of as almost the opposite, an effort to make the private market place function